Wallet server, wallet system, and computer readable recording medium

Abstract

A wallet server includes a processor including hardware, the processor being configured to remit electronic money collected at a predetermined rate based on a plurality of payment transaction methods registered in a first electronic wallet associated with a first user, to at least one of a second electronic wallet and a deposit account of a financial institution that are associated with a second user.

What is claimed is: 
     
         1 . A wallet server comprising
 a processor comprising hardware, the processor being configured to remit electronic money collected at a predetermined rate based on a plurality of payment transaction methods registered in a first electronic wallet associated with a first user, to at least one of a second electronic wallet and a deposit account of a financial institution that are associated with a second user.   
     
     
         2 . The wallet server according to  claim 1 , wherein the processor is configured to remit the electronic money allocated at a predetermined ratio to the second electronic wallet and the deposit account. 
     
     
         3 . The wallet server according to  claim 2 , wherein the processor is configured to allocate the electronic money at a predetermined ratio for a plurality of payment transaction methods registered in the second electronic wallet. 
     
     
         4 . The wallet server according to  claim 1 , wherein the processor is configured to regularly remit electronic money collected at the predetermined rate from the first user to the second user. 
     
     
         5 . The wallet server according to  claim 4 , wherein the processor is configured to:
 collect, in regular remittance of the electronic money, the electronic money at the predetermined rate based on the plurality of payment transaction methods in the first electronic wallet so that the amount of the electronic money becomes equal to a preset remittance amount; and   remit the electronic money, the amount of which satisfies the remittance amount, to at least one of the second electronic wallet and the deposit account.   
     
     
         6 . The wallet server according to  claim 1 , wherein the processor is configured to remit the electronic money in response to a remittance request input from a terminal possessed by the first user. 
     
     
         7 . The wallet server according to  claim 6 , wherein the processor is configured to remit the electronic money based on a plurality of payment transaction methods and a rate that are specified by the remittance request. 
     
     
         8 . The wallet server according to  claim 1 , wherein the processor is configured to deposit, in a deposit process from a first account of a financial institution associated with the first user into the first electronic wallet, electronic money allocated at a predetermined rate for a plurality of payment transaction methods registered in the first electronic wallet. 
     
     
         9 . The wallet server according to  claim 8 , wherein the processor is configured to regularly deposit electronic money at a predetermined rate for the plurality of payment transaction methods in the first electronic wallet, from the first account. 
     
     
         10 . The wallet server according to  claim 9 , wherein the processor is configured to deposit, in regular deposit of the electronic money, electronic money at a predetermined rate, for the plurality of payment transaction methods in the first electronic wallet so that the amount of the electronic money becomes equal to a preset deposit amount. 
     
     
         11 . The wallet server according to  claim 8 , wherein the processor is configured to deposit the electronic money, in response to a deposit request input from a terminal possessed by the first user, based on a plurality of payment transaction methods and a rate that are specified by the deposit request. 
     
     
         12 . A wallet system comprising:
 a terminal comprising a first processor comprising hardware; and   a server comprising a second processor comprising hardware, wherein   the first processor is configured to output a remittance request for remittance of electronic money deposited in a first electronic wallet of a first user to a second user, to the server, and   the second processor is configured to, in response to the remittance request, remit electronic money collected at a predetermined rate based on a plurality of payment transaction methods registered in the first electronic wallet, to at least one of a second electronic wallet and a deposit account of a financial institution that are associated with the second user.   
     
     
         13 . The wallet system according to  claim 12 , wherein
 the first processor is configured to output a deposit request for deposit to the first electronic wallet from a first account of a financial institution associated with the first user, to the server, and   the second processor is configured to deposit, in response to the deposit request, electronic money allocated at a predetermined rate for a plurality of payment transaction methods registered in the first electronic wallet.   
     
     
         14 . A non-transitory computer-readable recording medium on which an executable program is recorded, the program causing a processor of a computer to execute:
 remitting electronic money collected at a predetermined rate based on a plurality of payment transaction methods registered in a first electronic wallet of a first user, to at least one of a second electronic wallet and a deposit account of a financial institution that are associated with a second user.   
     
     
         15 . The non-transitory computer-readable recording medium according to  claim 14 , wherein the program causes the processor to execute remitting, in remittance of electronic money collected at the predetermined rate from the first user to the second user, the electronic money allocated at a predetermined ratio to the second electronic wallet and the deposit account. 
     
     
         16 . The non-transitory computer-readable recording medium according to  claim 15 , wherein the program causes the processor to execute remitting, in remittance of electronic money collected at the predetermined rate from the first user to the second user, the electronic money allocated at a predetermined ratio for a plurality of payment transaction methods registered in the second electronic wallet. 
     
     
         17 . The non-transitory computer-readable recording medium according to  claim 14 , wherein the program causes the processor to execute regularly remitting electronic money collected at the predetermined rate, from the first user to the second user. 
     
     
         18 . The non-transitory computer-readable recording medium according to  claim 17 , wherein the program causes the processor to execute:
 collecting, in regular remittance of the electronic money, electronic money at the predetermined rate based on the plurality of payment transaction methods in the first electronic wallet so that the amount of the electronic money becomes equal to a preset remittance amount, and   remitting the electronic money satisfying the remittance amount to at least one of the second electronic wallet and the deposit account.   
     
     
         19 . The non-transitory computer-readable recording medium according to  claim 14 , wherein the program causes the processor to execute depositing, in a deposit process from a first account of a financial institution to the first electronic wallet that are associated with the first user, electronic money at a predetermined rate, for a plurality of payment transaction methods registered in the first electronic wallet. 
     
     
         20 . The non-transitory computer-readable recording medium according to  claim 19 , wherein the program causes the processor to execute regularly depositing electronic money from the first account, for the plurality of payment transaction methods in the first electronic wallet at a predetermined rate.